Plymouth Rock car insurance offers some pretty reasonable rates, even for young drivers and those with an accident history. However, individual drivers’ rates vary depending on their accident history, vehicle make and model, address, and more.<\/p>
The carrier offers several unique policy endorsements, including coverage for accidental airbag discharges, electronic key replacement, and a waiver of deductible option. There’s also a Get Home Safe option, included standard with all policies, which pays for the cost of a cab or rideshare if a policyholder doesn’t feel comfortable driving. <\/p>
Some of these policy perks are available individually while others are only available as part of a package. However, there are several packages to choose from.<\/p>
Plymouth Rock Assurance is a regional insurance company that offers insurance in a handful of northeastern states. It could be a decent option if you want to avoid working with a large car insurance company. Though the company has a smaller operation with a limited customer pool, Plymouth Rock offers impressive car insurance coverage options and discounts that compete with the insurance market’s major players. <\/p>
Plymouth Rock policyholders can expect some unique benefits \u2014 like mobile claims service and one-time cab fare coverage \u2014 and can choose from four tiers of auto insurance coverage. Policies can be customized further by taking advantage of some additional optional protections on offer.<\/p>
The company garnered mixed reviews from reputable third parties. While Plymouth Rock has exceptional financial strength and very few consumer complaints, its customer satisfaction was not rated positively.<\/p>
Plymouth Rock has a number of different insurance plans and offerings. In this section, we\u2019ll go over several of the most popular auto insurance options.<\/p>
Keep in mind that state-level auto insurance requirements vary. Before making your purchase decision, double-check your state\u2019s plan and minimum auto insurance coverage requirements.<\/p>
If you cause a car accident, bodily injury coverage will pay for various costs associated with the other party\u2019s injuries. These include:<\/p>
Your bodily injury insurance will not pay for injuries that you sustained if the other party is at fault. In that case, you would have to rely on the other party\u2019s insurance or on your own uninsured or underinsured motorist policy.<\/p>
Many states legally require drivers to purchase bodily insurance. Plan holders can extend coverage limits with an umbrella policy.<\/p>
For example, if your bodily insurance policy has a maximum limit of $250,000, you could buy an umbrella policy that would raise the coverage limit to $1,000,000. If an accident occurs, your primary policy will cover the first $250,000 and your umbrella policy will cover the remaining $750,000.<\/p>
Collision coverage pays for repairs to your vehicle after a collision. Going back to our earlier example, after running into a storefront, your collision coverage would kick in to cover the cost of fixing your car.<\/p>
Lenders often require borrowers to carry collision coverage. However, if your car is paid off, this form of insurance may be optional.<\/p>
This type of liability insurance pays for property damages that the other party sustains in an auto accident when you\u2019re found at fault. It does not cover damage to your own property, nor does it pay for medical bills. However, it may pay for legal fees and other costs associated with your accident.<\/p>
For example, if you crash into a storefront, your coverage may pay both to repair the physical damage and to reimburse the owner for lost revenue caused by your accident. Virtually every state requires drivers to carry this form of insurance.<\/p>
This coverage option will pay for various medical costs incurred by you and sometimes passengers within your car even if you were at fault. Medical payment insurance may also cover funeral expenses.<\/p>
Most states do not require drivers to purchase coverage. However, purchasing medical payment coverage may prove financially savvy in the event of an accident.<\/p>
As the name suggests, this form of auto insurance coverage protects policyholders from collisions with drivers who either don\u2019t have auto insurance or have inadequate coverage. Uninsured (UM) and underinsured motorist (UIM) coverage may be sold separately or together.<\/p>
They may also be separated by the type of liability covered. For example, in some states, you will have to purchase uninsured motorist bodily injury (UMBI) coverage separately from uninsured motorist property damage (UMPD), while in other states, you can purchase them bundled together.<\/p>
UMBI covers expenses related to injuries suffered by you and any passengers in your car at the time of the accident. UMPD pays to repair or replace your vehicle.<\/p>
Many states legally require uninsured or underinsured motorist coverage. Even if you live in a state without a legal purchasing mandate, you should still consider UM and UIM coverage to protect against costly vehicle repairs and unexpected medical bills.<\/p>
Personal injury protection (PIP) coverage covers medical expenses for all passengers in the policyholder\u2019s vehicle regardless of who caused the accident. Drivers living in one of the 12 states that require PIP insurance will have to purchase coverage before legally getting on the road.<\/p>
All of the standard\u00a0auto insurance coverage\u00a0types can be purchased via Plymouth Rock \u2014 liability, collision, comprehensive, uninsured\/underinsured motorist and medical payments. This insurance company also offers four tiers of extra coverage \u2014 each of which comes with some unique perks and benefits \u2014 along with some optional coverages that can be added to a Plymouth Rock policy.<\/p>
When looking for the cheapest insurance policy, affordability should not be your only consideration. It\u2019s advisable to compare quotes between different providers and consider other factors like customer satisfaction.<\/p>
If you\u2019re a driver who wants minimum coverage or full coverage, a teen driver or a driver with a violation, Plymouth Rock offers inexpensive auto insurance compared to its competitors.<\/p>
Currently, the\u00a0national average for a 6-month car insurance policy\u00a0is\u00a0$880<\/strong>, whereas Plymouth Rock is about\u00a0$862<\/strong>\u00a0or roughly\u00a02%<\/strong>\u00a0in premium difference versus a typical policy. Plymouth Rock offers competitive rates in line with the national average.<\/p> The table below shows how Plymouth Rock auto insurance compares against other top insurers. Average Monthly Cost by Insurance Carrier<\/p>